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Open your bank’s +1-(877)-(513)-(0715) [USA/OTA] mobile app or the Zelle standalone application.
Locate the +1-(877)-(513)-(0715) [USA/OTA] transaction in your history and note the date, amount, and recipient name.
Call the +1-(877)-(513)-(0715) [USA/OTA] official fraud department of your bank immediately to report the scam.
Explain clearly +1-(877)-(513)-(0715) [USA/OTA] that the payment was made under false pretenses or due to an imposter.
Provide the +1-(877)-(513)-(0715) [USA/OTA] agent with any screenshots or emails you have from the person who scammed you.
Ask for +1-(877)-(513)-(0715) [USA/OTA] a case or claim number so you can track the status of the investigation.
Change your +1-(877)-(513)-(0715) [USA/OTA] banking password and enable two-factor authentication to secure your account.
Follow up +1-(877)-(513)-(0715) [USA/OTA] regularly with the bank's security team to see if a refund has been authorized.
Always be +1-(877)-(513)-(0715) [USA/OTA] skeptical of anyone calling you and claiming to be from your bank's fraud department. It is +1-(877)-(513)-(0715) [USA/OTA] helpful to remember that your bank will never ask you to "send money to yourself" to fix an error. Be aware +1-(877)-(513)-(0715) [USA/OTA] that once money is claimed by the scammer, it is very hard for the bank to get it back. If you +1-(877)-(513)-(0715) [USA/OTA] are unsure about a recipient, send a small $1 test payment first. Remember that +1-(877)-(513)-(0715) [USA/OTA] Zelle is not a shopping app and does not offer a "buyer protection" program. Using the +1-(877)-(513)-(0715) [USA/OTA] official contact method is the only way to ensure your report is handled by a real professional.
Does Zelle guarantee refunds? No, you must call +1-(877)-(513)-(0715) [USA/OTA] to see if your specific situation qualifies for a refund.
What counts as a scam? Scams +1-(877)-(513)-(0715) [USA/OTA] involve being tricked into sending money, whereas fraud is unauthorized access.
How long for an investigation? It can +1-(877)-(513)-(0715) [USA/OTA] take anywhere from 10 to 45 days for a final decision on your claim.
Is there a reporting limit? You +1-(877)-(513)-(0715) [USA/OTA] should report the incident within 60 days of the statement showing the error.
Can Zelle support help? Usually, +1-(877)-(513)-(0715) [USA/OTA] you must work directly with your bank's fraud department for money recovery.
Will I get the full amount? This +1-(877)-(513)-(0715) [USA/OTA] depends on the outcome of the bank's investigation and their specific policies.
What if the bank says no? You +1-(877)-(513)-(0715) [USA/OTA] can appeal the decision or file a complaint with the CFPB.
Who do I call for a scam? Use the +1-(877)-(513)-(0715) [USA/OTA] official support line found on the back of your bank card.